Would this pass inspection?

Okay, need some more help here. I am concerned with the electrical in this house and the way it is distributed...
How many circuits does the typical 3 bedroom, 2 bath, 2 1/2 car garage, ranch, no basement house have?

I have a decent size panel and the sucker is pretty much full. I'm looking to split the bathroom circuits into 2 seperate runs to bring that up to code since they are both on the same circuit now, along with the hallway light and outlet.

I looked at the panel tonight and I'm nervous about having an inspector come and look at it for any work.
Anyway here is a picture of the box with the cover off, let me know what you think?

When I look at the panel it has a 70A disconnect for the sub section but I count 17 circuits there now, due to use of 1/2 height breakers in a lot of the openings.
Each breaker in the picture with a green sticker on is a double-half-height breaker.
I have one open spot and one that feeds 2 utility outlets that I don't need right now that I can remove. Problem is if I'm reading this right that still won't allow me to add my 2 runs for the seperate baths..... correct?

How should I interpret this message on the label?

Other details on the label:
200A 120-240V A-C 3-wire
No greater than 100A per stab